scholarly journals Faktor-Faktor yang Memengaruhi Profitabilitas Bank Umum Syariah di Indonesia

2020 ◽  
Vol 4 (3) ◽  
pp. 06
Author(s):  
Eliza Christabella Phuanerys ◽  
Yanuar Yanuar
Keyword(s):  
Commercial Banks ◽  
Financial Statements ◽  
Capital Adequacy ◽  
Debt Ratio ◽  
Return On Assets ◽  
Liquidity Management ◽  
Management Efficiency ◽  
Capital Adequacy Ratio ◽  
Operating Margin ◽  
Asset Quality

This study was conducted to analyze the effect of the Capital Adequacy, Asset Quality, Management Efficiency and Liquidity Management ratios on profitability proxied by bank Return On Assets (ROA), by analyzing the annual financial statements that have been published in 2013-2017. The variables used in analyzing the financial statements of Sharia Commercial Banks that are sampled are Asset Quality which is proxied by Non Performing Financing (NPF), Liquidity Management which is proxied by Financing to Debt Ratio (FDR), Management Efficiency proxied by Net Operating Margin (NOM), and Capital Adequacy proxied by Capital Adequacy Ratio (CAR). The sample in this study was 11 Islamic commercial banks for 5 years, namely 2013-2017. The results showed that Capital Adequacy, Asset Quality, and Liquidity Management significantly influenced the profitability of Islamic commercial banks. Whereas Management Efficiency does not affect the profitability of Islamic commercial banks. Based on these results, Sharia Commercial Banks in Indonesia must increase capital, reduce problematic financing by improving internal processes, and increase bank liquidity by increasing fundraising.

scholarly journals Bank Regulation and Level of Non performing Loans in Commercial Banks in Nakuru County Kenya

2020 ◽  
Vol 2 (2) ◽  
pp. 59-76
Author(s):  
Geoffrey Indeje Muhanji ◽  
Joseph Theuri
Keyword(s):  
Central Bank ◽  
Commercial Banks ◽  
Bank Regulation ◽  
Capital Adequacy ◽  
Liquidity Management ◽  
Macroeconomic Factors ◽  
Nonperforming Loans ◽  
Management Efficiency ◽  
Asset Quality ◽  
The Relationship

The study sought to determine the effect of bank regulation and level of nonperforming loans in commercial banks in Nakuru County Kenya. The specific objectives of the study were to explore the effect of capital adequacy on the level of nonperforming loans in commercial banks in Nakuru County Kenya, to find out the effect of asset quality on the level of nonperforming loans in commercial banks in Nakuru County Kenya, to evaluate the effect of liquidity management on the level of nonperforming loans in commercial banks in Nakuru County Kenya, to examine the effect of management efficiency on the level of nonperforming loans in commercial banks in Nakuru County Kenya and to determine the moderating effect of macroeconomic factors on the relationship between bank regulation and level of nonperforming loans. The literature review focused on portfolio theory of investment, capital asset pricing theory and the capital buffer theory of capital adequacy. The primary data was collected using structured questionnaires and secondary data was collected from the banking survey 2017 and central bank of Kenya annual supervisory reports. The study employed multiple linear regression analysis and the finding revealed that there exist a negative and statistically insignificant relationship between capital adequacy and non-performing loans. It was also observed that there exist a negative and statistically insignificant relationship between liquidity management and non-performing loans. On the other hand, there exist a positive and statistically significant relationship between asset quality and non-performing loans. Similarly, there exist a positive and statistically insignificant relationship between management efficiency and non-performing loans. Finally, the findings indicated that macroeconomic factors have moderating effect on the relationship between bank regulations and non-performing loans in commercial banks in Nakuru County. It was concluded that asset quality positively influences non-performing loans while management efficiency influence positively the non-performing loans. Similarly, liquidity management exerts a negative influence on non-performing loans. Finally, capital adequacy influence negatively on non-performing loans. The study recommends that Central Bank of Kenya should regularly access lending behavior to ensure compliance with banking regulations to avoid increasing incidences of non-performing loans. In addition, Central Bank of Kenya should closely monitor banks with deteriorating asset quality. Further, Central Bank of Kenya should strictly monitor the economic sector and ensure that banks provide adequate provisions for loans to mitigate risks of default. Furthermore, banks should maintain a good balance on deposits and lending out loans and adhere to regulators decisions about monetary policies. Finally, banks should increase the operational efficiency of operation weakness and improve corporate governance on the sanction of loans and Central Bank of Kenya should focus on managerial performance in order to detect banks with potential increases in non-performing loans.

scholarly journals Capital Adequacy Ratio dan Beban Operasional Terhadap Profitabilitas Pada Bank Umum Syariah

2017 ◽  
Vol 1 (1) ◽  
pp. 26-34
Author(s):  
Resti Purwita Sari ◽  
Tupi Setyowati
Keyword(s):  
Commercial Bank ◽  
Commercial Banks ◽  
Operating Cost ◽  
Financial Statements ◽  
Capital Adequacy ◽  
Return On Assets ◽  
Operating Income ◽  
Capital Adequacy Ratio ◽  
Bibliographic Data ◽  
Data Source

This study aims to analyze and determine the effect of Capital Adequacy Ratio (CAR), Operating Cost Operating Income (BOPO) to Profitability proxyed using Return On Assets (ROA) at Sharia Commercial Bank in Indonesia period 2014-2015. This research uses data source secondary documentation of the annual financial statements of Sharia Commercial Banks in Indonesia and supplemented by other bibliographic data sources. The result of the research shows that Capital Adequacy Ratio (CAR) has negative and insignificant effect on Return On Asset (ROA) at Sharia Commercial Bank in Indonesia and Operating Cost Operating Income (BOPO) have negative and significant effect to Return On Asset (ROA) at Sharia Commercial Bank in Indonesia

scholarly journals THE EFFECT OF FINANCIAL PERFORMANCE RATIOS ON CONVENTIONAL BANK PROFITABILITY IN INDONESIA STOCK EXCHANGE

2019 ◽  
Vol 14 (2) ◽  
pp. 84
Author(s):  
Ahmad Azmy ◽  
Iqbal Febriansyah ◽  
Anita Munir
Keyword(s):  
Financial Performance ◽  
Commercial Banks ◽  
Stock Exchange ◽  
Secondary Data ◽  
Financial Statements ◽  
Capital Adequacy ◽  
Test Results ◽  
Return On Assets ◽  
Bank Profitability ◽  
Capital Adequacy Ratio

This study aims to analyze the effect of the ratio of financial performance to the profitability of private conventional commercial banks listed on the Indonesia Stock Exchange. Retrieval of data using financial statements from fourteen conventional commercial banks. The independent variables used include Capital Adequacy Ratio (CAR), Operational Income Operating Expenses (BOPO), Non Performing Loans (NPL), and Loan to Deposit Ratio (LDR). The profitability variable is proxied by Return on Assets (ROA). This type of research is quantitative that uses secondary data. The analysis was carried out using multiple regression analysis. The results showed that, CAR and NPL had no effect on ROA, while BOPO and LDR had a significant effect on ROA. Then the F Test results show that CAR, NPL, BOPO, and LDR simultaneously influence ROA

scholarly journals Analisis Rasio Tingkat Kesehatan Bank Menggunakan Metode CAMEL Pada PT Bank BCA Syariah Tbk Jakarta Timur Tahun 2013 - 2017

2020 ◽  
Vol 3 (2) ◽  
pp. 212-227
Author(s):  
Su Patmin
Keyword(s):  
Balance Sheet ◽  
Financial Statements ◽  
Capital Adequacy ◽  
Profit Margin ◽  
Return On Assets ◽  
Operating Income ◽  
Capital Adequacy Ratio ◽  
Net Profit ◽  
Asset Quality ◽  
Assets Management

The purpose of this study was to determine the development of bank health at PT Bank BCA Syariah Tbk and to measure the level of health of PT Bank BCA Syariah Tbk in 2013-2017 using the CAMEL ratio which includes aspects of capital, productive assets, management, profitability and liquidity. This research is quantitative descriptive. The population in this study includes all financial statements of PT Bank BCA Syariah for the period 2013 to 2017, while the sample in this study is the company's financial statements in the form of a balance sheet and income statement of PT. Bank BCA Syariah Tbk. period 2013 to 2017. Analysis of the data used in this study is to use the CAMEL method which consists of five aspects, namely capital aspects using CAR (Capital Adequacy Ratio), aspects of earning asset quality using the ratio of KAP (Earning Assets Quality) and PPAP (Allowance for Earning Assets), management aspects using the ratio of NPM (Net Profit Margin), profitability aspects using the ratio of ROA (Return On Assets) and BOPO (Operating Expenses to Operating Income), and the liquidity aspect using the NCM-CA (Net Call Money ratio) to Current Assets) and LDR (Loan to Deposit Ratio). Based on the results of research conducted at PT Bank BCA Syariah CAMEL in 2013 97.04 was healthy, in 2014 96.71 was healthy, in 2015 95.52 was healthy, in 2016 97.01 was healthy, in 2017 98.00 is healthy. Abstrak Tujuan penelitian ini untuk mengetahui perkembangan kesehatan bank pada PT Bank BCA Syariah Tbk dan untuk mengukur tingkat kesehatan PT Bank BCA Syariah Tbk pada tahun 2013-2017 dengan menggunakan rasio CAMEL yang meliputi aspek permodalan, aktiva produktif, manajemen, rentabilitas dan likuiditas. Penelitian ini bersifat deskriptif kuantitatif. Populasi dalam penelitian ini meliputi seluruh laporan keuangan PT Bank BCA Syariah periode tahun 2013 sampai dengan 2017, sedangkan sampel dalam penelitian ini adalah laporan keuangan perusahaan berupa neraca dan laporan laba rugi PT. Bank BCA Syariah Tbk. periode 2013 sampai dengan 2017. Analisis data yang digunakan dalam penelitian ini adalah dengan menggunakan metode CAMEL yang terdiri dari lima aspek, yaitu aspek permodalan menggunakan rasio CAR (Capital Adequacy Ratio), aspek kualitas aktiva produktif menggunakan rasio KAP (Kualitas Aktiva Produktif) dan PPAP (Penyisihan Penghapusan Aktiva Produktif), aspek manajemen menggunakan rasio NPM (Net Profit Margin), aspek rentabilitas menggunakan rasio ROA (Return On Assets) dan BOPO (Beban Operasional terhadap Pendapatan Operasional), dan aspek likuiditas menggunakan rasio NCM-CA (Net Call Money to Current Assets) dan LDR (Loan to Deposit Ratio). Berdasarkan hasil penelitan yang telah dilakukan pada PT Bank BCA Syariah CAMEL pada tahun 2013 97,04 adalah sehat, tahun 2014 96,71 adalah sehat, tahun 2015 95,52 adalah sehat, tahun 2016 97,01 adalah sehat, tahun 2017 98,00 adalah sehat. Kata Kunci : Rasio Tingkat Kesehatan Bank, CAMEL

scholarly journals PENGARUH PENILAIAN KESEHATAN BANK TERHADAP KINERJA KEUANGAN BANK SYARIAH DI INDONESIA

2018 ◽  
Vol 3 (2) ◽  
pp. 409
Author(s):  
Welly Welly ◽  
Kurnia Krisna Hari
Keyword(s):  
Corporate Governance ◽  
Financial Performance ◽  
Commercial Banks ◽  
Financial Statements ◽  
Capital Adequacy ◽  
Islamic Banks ◽  
Good Corporate Governance ◽  
Capital Adequacy Ratio ◽  
Operating Margin ◽  
Bank Soundness

This study aims to provide empirical evidence about the effect of bank soundness by using Risk Profile, Good Corporate Governance, Earnings, Capital (RGEC) methods on the financial performance of sharia commercial banks in Indonesia. The formulation of the problem in this research is whether there is an effect of the soundness of the Islamic Commercial Bank with the RGEC method with the banking performance in Indonesia in the 2011-2015 period? How much influence does the bank's health level have on the RGEC method on the performance of Islamic Banks in Indonesia? The research sample consisted of 7 Islamic banks in Indonesia. The data used are quarterly financial statements of sharia commercial banks and GCG implementation reports. The statistical method used to test the research hypothesis is multiple linear regression. The results of data testing stated that there was no heterocedasticity, autocorrelation, multicollinearity, and data with normal distribution. The results showed that Non Performing Financing (NPF), Financing to Deposit Ratio (FDR), Net Operating Margin (NOM) and Capital Adequacy Ratio (CAR) had an influence on the financial performance of Islamic commercial banks, while Good Corporate Governance (GCG) did not have influence on the financial performance of Islamic commercial banks. The effect of bank soundness on the financial performance of Islamic banks was 39.40%, while 60.60% was influenced by other factors outside this study.

scholarly journals ANALISIS PERINGATAN DINI KEBANGKRUTAN BANK UMUM SYARIAH DI INDONESIA PERIODE 2011 – 2015

AKUNTABILITAS ◽  
2019 ◽  
Vol 11 (1) ◽  
pp. 39-58
Author(s):  
Kurnia Krisna Hari ◽  
Sa’adah Siddik ◽  
Didik Susetyo
Keyword(s):  
Corporate Governance ◽  
Early Warning ◽  
Financial Statements ◽  
Capital Adequacy ◽  
Islamic Banking ◽  
Return On Assets ◽  
Policy Theory ◽  
Good Corporate Governance ◽  
Capital Adequacy Ratio ◽  
Operating Margin

This study aims to give empirical prove on the factors that affecting early warning bankruptcyof Islamic banking in Indonesia using RGEC method. The factors that are tested in this study are Non Performing Financing (NPF), Financing to Deposit Ratio (FDR), Good Corporate Governance (GCG), Return on Assets (ROA), Net Operating Margin (NOM), and Capital Adequacy Ratio (CAR). The sample of this study consists of 7 Islamic banking in Indonesia. The data used is the quartile report of financial statements and the GCG report while the statistical method used is panel regression.The result shows that Non Performing Financing (NPF), Financing to Deposit Ratio (FDR), Return On Assets (ROA), and Capital Adequacy Ratio (CAR) gives impact to the early warning bankruptcy of the Islamic banking, while Good Corporate Governance (GCG) and Net Operating Margin (NOM) does not have any effect on the early warning bankruptcy. This implies that GCG and NOM are not inline with the policy, theory and previous studies. 

scholarly journals PENGARUH CAPITAL ADEQUACY RATIO, INFLASI, DAN GROSS DOMESTIC PRODUCT TERHADAP RETURN ON ASSETS (STUDI PADA BANK UMUM SYARIAH NON DEVISA DI INDONESIA PERIODE TAHUN 2018-2020)

2021 ◽  
Vol 1 (1) ◽  
pp. 110-122
Author(s):  
Lutfi Indriwati ◽  
Agung Eko Purwana
Keyword(s):  
Panel Data ◽  
Gross Domestic Product ◽  
Foreign Exchange ◽  
Commercial Banks ◽  
Financial Statements ◽  
Capital Adequacy ◽  
Return On Assets ◽  
Sample Number ◽  
Capital Adequacy Ratio ◽  
Research Period

This research examines the influence of CAR, inflation and GDP on ROA of Non-Foreign Exchange Sharia Commercial Banks in Indonesia. In the research period there were cases in the financial statements where CAR increased but ROA decreased, in addition when inflation decreased ROA also decreased and at the time of GDP rise ROA again decreased. The novelty of this research is a method of regression of panel data that has never been used in CAR, inflation and GDP together. This research is quantitative with a sample number of 4 Non-Foreign Exchange Sharia Commercial Banks. The findings in this study are that CAR, inflation and GDP have no partial effect on ROA. However, CAR, inflation, and GDP simultaneously affect ROA. The next research is expected to take variables other than CAR, inflation, and GDP that theoretically affect roa of Non-Foreign Exchange Sharia Commercial Banks in order to obtain a better roa model of Non-Foreign Exchange Sharia Commercial Banks compared to this study. Riset ini menguji pengaruh CAR, inflasi dan GDP terhadap ROA Bank Umum Syariah Non Devisa di Indonesia. Pada periode riset ditemui kasus pada laporan keuangan dimana CAR mengalami peningkatan namun ROA mengalami penurunan, selain itu ketika inflasi mengalami penurunan ROA turut mengalami penurunan serta pada saat GDP naik ROA kembali mengalami penurunan. Kebaruan dari riset ini berupa metode regresi data panel yang belum pernah digunakan pada CAR, inflasi dan GDP secara bersama. Riset ini berjenis kuantitatif dengan jumlah sampel 4 Bank Umum Syariah Non Devisa. Temuan pada riset ini adalah CAR, inflasi dan GDP secara parsial tidak berpengaruh pada ROA. Namun, CAR, inflasi, serta GDP secara simultan berpengaruh pada ROA. Riset berikutnya diharapkan dapat mengambil variabel lain selain CAR, inflasi, dan GDP yang secara teori berpengaruh pada ROA Bank Umum Syariah Non Devisa agar diperoleh model ROA Bank Umum Syariah Non Devisa yang lebih baik dibandingkan dengan penelitian ini.

scholarly journals The Role of Using CAMELS Model in Analyzing the Factors Affecting the Performance of The Jordanian Commercial Banks (2014-2019)

2021 ◽  
Vol 17 (2) ◽  
pp. 3-11
Author(s):  
Senan Amer
Keyword(s):  
Quality Management ◽  
Commercial Banks ◽  
Capital Adequacy ◽  
Rate Of Return ◽  
Return On Assets ◽  
Return On Equity ◽  
Factors Affecting ◽  
Management Efficiency ◽  
Asset Quality ◽  
The Impact

In this study, the factors affecting the performance of Jordanian commercial banks have been analyzed using the elements of the CAMELS model, along with identifying the most important factors. The study targeted the impact of twenty Jordanian commercial banks on performance-; these banks were listed on the Amman Stock Exchange during the period of 2014-2019. The researcher used the Data Pooled Regression Method, due to its relevance to the nature of the data used in the study, where this method is used in the case of a time series and cross-sectorial data. The Rate of Return on Assets and the Rate of Return on Equity were used as the two variables on which the banks’ performance was measured. However, the independent variables included the CAMELS model elements which are capital adequacy, asset quality, management efficiency, earnings, liquidity, and sensitivity to market risks, in addition to macroeconomic variables, which include the rate of economic growth and the rate of inflation. The study concluded that capital adequacy, asset quality, management efficiency, and earnings are among the most important and most influential factors with regards to the Jordanian commercial banks, which - are is represented by the Rate of Return on Assets and the Rate of Return on Equity. Moreover, the study also concluded that it is possible to derive a miniature model from the CAMELS model called the CAME model, which has a great ability to explain and measure the performance of commercial banks in Jordan. Finally, the study recommended the Central Bank of Jordan to use the CAMELS model to evaluate Jordanian commercial banks.

scholarly journals What Influences Capital Adequacy Ratio in Islamic Commercial Banks? Evidence from Indonesia

2019 ◽  
Vol 2 (1) ◽  
pp. 1-10
Author(s):  
Mursal Mursal ◽  
Darwanis Darwanis ◽  
Ridwan Ibrahim
Keyword(s):  
Commercial Banks ◽  
Financial Statements ◽  
Capital Adequacy ◽  
Return On Assets ◽  
Net Interest Margin ◽  
Capital Adequacy Ratio ◽  
Negative Effect ◽  
Positive Effect ◽  
Observation Period ◽  
Interest Margin

AbstractObjective – This study aims to examine whether Return on Assets (ROA), Financing to Deposit Ratio (FDR), Size, Net Interest Margin (NIM), and Deposit (DEP) have any influence on Capital Adequacy Ratio (CAR) of Islamic Commercial Banks in Indonesia for the period of 2015-2017. Design/methodology – The population in this study is all Islamic Commercial Banks operating in Indonesia for the period 2015-2017. The data was collected from financial statements of the Islamic Commercial Banks for the period of three years totalling of 36 observations. Multiple Linear Regression was used to analyse the data. Results – The results showed that Return on Assets (ROA) has a negative effect on Capital Adequacy Ratio (CAR). Meanwhile financing to Deposit Ratio (FDR) has a negative effect on Capital Adequacy Ratio (CAR) and size has a negative effect on Capital Adequacy Ratio (CAR). Furthermore, net Interest Margin (NIM) has a positive effect on Capital Adequacy Ratio (CAR) and lastly Deposit (DEP) has a negative effect on Capital Adequacy Ratio (CAR). Research limitations/implications – This study has limitations due to the short observation period of only 3 years from 2015 to 2017. Future studies are recommended to enhance this current study by embarking a longer period of study or by performing a comparative analysis between Islamic banks in different countries.

scholarly journals PENGARUH RASIO KESEHATAN BANK TERHADAP VOLUME PEMBIAYAAN BANK UMUM SYARIAH DI INDONESIA

2018 ◽  
Vol 2 (1) ◽  
pp. 1
Author(s):  
Irsad Andriyanto ◽  
Aprilia Inge Prastika
Keyword(s):  
Commercial Banks ◽  
Linear Regression Analysis ◽  
Multiple Linear Regression Analysis ◽  
Capital Adequacy ◽  
Return On Assets ◽  
Capital Adequacy Ratio ◽  
Negative Effect ◽  
Asset Quality ◽  
Positive Effect ◽  
Observation Period

This research aimed to analyze the effect of financial ratios on financing successfully channeled by Sharia Commercial Banks in Indonesia in 2015- 2018. The bank's ratio is measured through CAMELS ratios (Capital, Asset Quality, Management, Earning, Liquidity, Sensitivity to Market Risk) for each aspect. Capital aspects are measured using the Capital Adequacy Ratio (CAR), asset quality (Asset Quality) is measured using Non Performing Financing (NPF), profitability (Earning) is measured using Return on Assets (ROA) and Operational Expenses to Operating Revenues (BOPO ), and liquidity (Liquidity) is measured using Financing to Deposit Ratio (FDR). The samples are 13 Sharia Commercial Banks with the observation period from January 2015 till May 2018. The data obtained through Sharia Banking Statistics (SPS) are then processed by multiple linear regression analysis. The results showed that the NPF and BOPO had a negative effect on the financing volume of sharia commercial banks, while ROA had a positive effect. In other way, the CAR and FDR have no significant effect on the financing volume of sharia commercial bank. This is because the capital is used to cover troubled financing and to maintain public trust

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